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Citi Double Cash vs Discover It

Compare Rewards, Interest Rates, Fees, and Benefits

Citi Double Cash is a great rewards credit card to earn cash back twice with no annual fee. How does it compare to Discover It, a cash back card? Read our comparison chart below.

 

Citi® Double Cash Card

Discover it® Cash Back

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Introductory APR for Balance Transfers0%* introductory APR for 18 months*0% introductory APR for 15 months
Purchase APR18.99% to 28.99%* (Variable) based on your creditworthiness and other factors17.24% to 28.24% Variable based on your creditworthiness and other factors
Balance Transfers APR18.99% to 28.99%* (Variable) based on your creditworthiness and other factors17.24% to 28.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee3% of each purchase transaction in US dollars.No foreign transaction fee
Annual Fee$0 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash BackLimited Time Offer: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account openingDiscover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Cash Back RewardsEarn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases1% cash back on all other purchases.
Bonus Cash Back 5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)*
Limitations apply*. See issuer's website for additional program details.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earns cash back twice on purchases
  • No annual fee
  • Introductory APR for 18 months on balance transfers
Cons:
  • No signup bonus
  • Cash rewards expire after 12 months if there is no activity on the account
  • 3% foreign transaction fee
Pros:
  • 5% bonus rotating categories
  • Intro APR on purchases and balance transfers
  • No foreign transaction fee
  • No annual fee
Cons:
  • Some merchants don't accept Discover
Bottom LineGreat rewards credit card to earn cash back twice with no annual fee... Read full reviewExcellent cash back credit card with no annual fee and low interest rate... Read full review
 Read Citi Double Cash ReviewRead Discover It Review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Citi® Double Cash Card and Discover it® Cash Back has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Citi Double Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on May 9, 2023 from published websites and is believed to be accurate, but not guaranteed.

Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on August 1, 2023 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: Citi Double Cash or Discover It?

Still need help deciding which cash back credit card is better? Read the in-depth reviews below. You may also be interested in comparing Citi Double Cash or Chase Freedom Unlimited.


Articles on Citi® Double Cash Card

Citi Double Cash Card Review

With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details.

Which Do You Like and Why?





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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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